Cheap Florida car insurance

Compare the best rates from 13 car insurance companies in Florida.

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Here's what you need to know when driving in Florida

Across the Sunshine State, there are 267,793 miles of road just waiting to be driven. We’ll get you ready with the best — and most affordable — insurance policy, then you take the wheel.

 


 

Cheap car insurance in Florida

What's the cheapest car insurance in Florida?
RankCompany NameAvg. Annual Premium
1USAA$1,014
2Allied$1,790
3State Farm$1,834
4Travelers$1,907
5Auto-Owners$2,128
6GEICO$2,144
721st Century$2,360
8Hanover$2,484
9Esurance$2,611
10Direct General$2,687
11Mercury$2,835
12Allstate$2,838
13MetLife$2,929
14Safeco$2,957
15Kingsway America Group$3,153
16United Automobile$3,199
17Progressive$3,228
18Metropolitan$3,562

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Cheap auto insurance in Florida — for good drivers

Good drivers can save money on car insurance! Insurance companies use your driving record as a way to predict what kind of risk you pose. Without at-fault accidents, speeding tickets or DUIs on your record, you are a less risky and more affordable customer for an insurance company.

In addition to cheaper premiums, some companies offer good driver discounts. While the amount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Rating Factor$ Savings% Savings
No Traffic Tickets$52322.49%
No Accidents$67227.16%
Good Credit$1,66648.02%

Cheap car insurance in Florida — for new drivers

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that Geico Progressive, and Liberty Mutual are the cheapest companies.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,500$5,984
17$5,148$5,604
18$5,117$4,855
19$4,547$3,806

Affordable Florida car insurance — for bad drivers

Having a bad driving record can be a huge burden for getting cheap car insurance - no matter your location. In Florida in 2017, a DUI raised rates an average of $934 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,47627.16%
DUI$2,74034.17%
Speeding Violation$2,32722.49%
Bad Credit$3,47048.02%

What are the best Florida car insurance companies?

Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.

Compare top auto insurance companies' fiscal strength and claims satisfaction ratings to better understand the level of service they might provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (AM Best)
21st Century3Excellent
Allied3Superior
Allstate3Superior
Amica4Superior
Direct GeneralNot RatedExcellent
ElectricNot RatedExcellent
EsuranceNot RatedSuperior
GEICO3Superior
InfinityNot RatedExcellent
Liberty Mutual3Excellent
MetLife3Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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What insurance coverage do I need in Florida?

Required minimum insurance levels in Florida are $10,000 bodily injury liability coverage per person, $20,000 bodily injury per accident, and $10,000 property damage per accident.

If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,192 each year. This exceeds the national average by 81%. If you want a higher standard of coverage, select a policy with comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents. Better coverage comes at a price: in Florida, a comprehensive insurance policy with a $1,000 deductible costs $1,698, 42% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 53% more than you would for a liability insurance-only policy.

Analyze average expenditures for basic, better, and best insurance coverage levels in the below table.

Location
Liability-Only
Comprehensive — $1,000 Deductible
Comprehensive — $500 Deductible
Florida
$1,192.04
$1,697.96
$1,821.73
National Average
$657.66
$1,241.26
$1,397.94

Florida car insurance laws

What are the state minimum auto insurance requirements in Florida?

In Florida, the minimum coverage requirements are as follows:

  • Property Damage Liability (PDL) - $10,000 per accident
  • Personal Injury Protection (PIP) - $10,000 per person

Optional car insurance coverages in Florida — varying by carrier — include:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Additional information on coverage requirements in the state of Florida:

Florida auto insurance FAQs

Do I need to have car insurance in Florida?

Yes. In Florida — as in most U.S. states — you're required to maintain state-mandated minimum insurance requirements in order to drive.

Do I need insurance to register a car in Florida?

Yes. To legally register your vehicle in Florida, you will need to show proof of insurance.

Is Florida a no-fault state for car insurance?

Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.

Why is car insurance so expensive in Florida?

Auto insurance companies charge higher-than-average rates in many parts of Florida due to the increased likelihood of claims and the state's relatively high share of uninsured drivers. When comparing car insurance rates in Florida, consider uninsured motorist coverage as an add-on.

How much does car insurance cost in Florida cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida, and the most expensive in West Palm Beach, Florida.

RankCityAvg. Annual Premium
1West Palm Beach$3,187
2Hialeah$3,179
3Miami$3,075
4Miami Gardens$3,048
5Tampa$2,990
6Coral Springs$2,981
7Hollywood$2,901
8Pompano Beach$2,900
9Miami Beach$2,897
10Brandon$2,882
11Fort Lauderdale$2,786
12Miramar$2,784
13Pembroke Pines$2,705
14St. Petersburg$2,703
15Clearwater$2,685
16Davie$2,648
17Port St. Lucie$2,386
18Spring Hill$2,341
19Orlando$2,301
20Jacksonville$2,245
21Lakeland$2,199
22Palm Bay$2,084
23Tallahassee$2,072
24Cape Coral$2,026
25Gainesville$1,839

Recent Florida Car Insurance Questions and Answers

Can the other person still file an insurance claim against me if I wasn't issued a citation?

Yes, regardless of police involvement the other party can file a claim against you if you were at-fault. Your insurance will want to settle the claim to avoid a lawsuit.

My insurance company sent me a non-renewal notice. Will this affect my premiums going forward?

If they are non-renewing for an unsigned app, you should be able to contact them and get that resolved. If you don't want to stay with them, I would still finish the term and move on to a different insurer.

Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?

Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.

Can a lender dictate what my deductible is?

Unfortunately, the terms of your loan can dictate what your coverage deductibles must be. Your lienholder may not necessarily notice right away if you change your deductible, but if they catch on they will add force-placed insurance, also known as collateral protection insurance, as a part of your monthly payments.


How does a ticket impact auto insurance rates in Florida?

When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Florida after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,20456%$1,146
Refused Breathalyzer/Chemical Test$3,10051%$1,041
DUI$3,10051%$1,041
Racing$3,16854%$1,109
Reckless Driving$3,14253%$1,083
Driving with a Suspended License$3,11651%$1,057
At-Fault Accident$2,84038%$781
Driving with an Open Container$2,56124%$502
Operating a Vehicle Without Permission$2,62227%$563
Passing a School Bus$2,58426%$526
Improper Passing$2,59626%$537
Following Too Closely$2,57925%$520
Speeding$2,67930%$621
Failure to Stop at a Red Light$2,59626%$537
Illegal Turn$2,59626%$537
Driving Wrong Way/Wrong Lane$2,59626%$537
Failure to Yield$2,59626%$537
Speeding in a School Zone$2,58426%$525
Driving Too Slowly$2,58426%$525
Distracted Driving$2,56825%$509
Driving with Expired Registration$2,27410%$215
Failure to Show Documents$2,26310%$204
Not-at-Fault Accident$2,1987%$139
Failure to Use Child Safety Restraint$2,0761%$17
Failure to Wear a Seat Belt$2,0761%$17
Driving Without Lights$2,0590%$0

Florida Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Florida area, while also getting an insider view of the Sunshine State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2020

Notification

Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.